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About Toberman Becker Wealth

Independent, Fee-Only Fiduciary Financial Advice rooted in St. Louis, Serving Clients Nationwide

SERVING THE ST. LOUIS REGION

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Your Trusted Fee-Only Fiduciary Financial Advisors in St. Louis

At Toberman Becker Wealth, we believe that wealth is more than just numbers on a spreadsheet. It’s a powerful resource to help you realize your life’s ambitions, care for those you love, and build a legacy that endures.

As a fee-only, fiduciary financial advisory firm based in St. Louis, Missouri, we are dedicated to putting your interests first, always. Our approach is grounded in:

  • Transparency
  • Personalized planning
  • Deep continuity with your values and goals

Whether planning for retirement, managing generational wealth, or navigating a life transition, we’re here to guide you with transparency and care.

Proven Success. Trusted by St. Louis Families.

Over $100M in assets under management
$ 0 M
Helping 75+ families achieve financial clarity
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Guided by 2 dual-certified CFA/CFP® professionals

Our Mission

Our mission is to empower individuals, families, and business owners to make informed financial decisions through comprehensive planning and investment management. We prioritize your best interests, offering unbiased advice without commissions or product sales.

Learn How We Work

Meet the Team

Craig Toberman, CFA, CPA, CFP®

Helping Families and Business Owners Build, Protect, and Transfer Wealth with Confidence

 

With over a decade of experience in financial services, Craig Toberman is a trusted advisor to families and business owners seeking more strategic guidance and peace of mind in their financial lives. His unique blend of credentials, CFA, CPA, CFP®, and MBA, means clients benefit from a well-rounded, expert approach to long-term wealth planning.

Craig’s work focuses on what matters most to you:

  • Tax Planning and Strategy: Craig uses his CPA expertise to help you keep more earnings, minimizing taxes today while planning smartly for the future.
  • Investment Management: Your investments are tailored to your life, not just the market. Craig designs strategies that reflect your goals, values, and timelines.
  • Family Business Succession: As the author of The Five-Year Plan, Craig helps business owners successfully transition leadership and preserve their legacy for future generations.

Craig earned his B.S. in Agricultural and Consumer Economics from the University of Illinois and his MBA in Finance from Saint Louis University. Clients appreciate his down-to-earth style, technical depth, and commitment to helping them make confident decisions at every stage of life.

Meet Craig Toberman

Michael Becker

Michael Becker, CFA, CFP®

Guiding You Through Smart Decisions for a Confident Financial Future

 

Michael Becker helps individuals and families make informed, strategic decisions about their money so they can live the lives they want today and feel secure about tomorrow. With deep investment management, behavioral finance, and retirement planning expertise, Michael is known for turning complex financial topics into clear, actionable strategies.

Clients value his approach, which centers on:

  • Comprehensive Financial Planning: Michael takes the time to understand your complete financial picture, helping you synchronize your goals, investments, retirement, and lifestyle into one cohesive plan.
  • Up-to-Date, Informed Advice: A lifelong learner, Michael stays on top of industry trends, market shifts, and planning strategies so you don’t have to.
  • Personal, Trust-Based Relationships: You’re never just a number. Michael builds meaningful, lasting relationships rooted in trust, transparency, and your long-term success.

Michael holds a B.S. in Finance and Banking from the University of Missouri–Columbia. Whether you’re planning for retirement, navigating life transitions, or growing your wealth, Michael provides calm, knowledgeable guidance every step of the way.

Meet Michael Becker

Fiduciary Financial Advisory Services

Retirement
Planning

Retirement planning that allows you to live comfortably now – without sacrificing your financial future later.

Investment Management

Robust investment management strategy that puts you in the center to align with your goals.

Tax Planning Services

Tax Planning that mitigates risk across your financial portfolio to reduce your future tax burdens.

Family Business Services

Family business financial planning that aims to grow the value of your business using our corporate experience.

Let’s start planning your future.

Book a complimentary call today

Who We Serve

Professionals ready to retire with purpose and intention

Families building, protecting, and passing on multigenerational wealth

Business owners creating strategic succession plans and maximizing business value

Proud Members Of

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Why Choose
Toberman Becker Wealth?

Fee-Only Fiduciary
Unbiased, Client-First Advice

We operate on a fee-only basis, meaning our compensation comes solely from our clients, not from commissions or product sales. This helps ensure our recommendations are made with your best interests in mind.

Deep Expertise, Proven Credentials

Our team includes professionals with respected designations such as CFA, CFP®, and CPA. With decades of combined experience, we bring insight, integrity, and rigor to every financial decision.

Tailored Financial Planning

Your financial goals are unique, and so is our approach. We take the time to truly understand your priorities, delivering customized strategies that reflect your values and vision for the future.

Rooted in St. Louis, Committed to Community

As proud St. Louis natives, we’re not just advisors; we’re neighbors who are deeply committed to the prosperity of our local community and to helping our clients thrive here and beyond.

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Featured In

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Connect With Us

Schedule a complimentary call to share your goals and discover how our guidance will help you achieve them.
St. Louis Made

Questions About Toberman Becker Wealth in St. Louis

We provide comprehensive financial planning tailored to your needs. Our holistic approach ensures every strategy aligns with your long-term goals while allowing you to enjoy life today.

Our services include:

  • Retirement Planning
    We help you retire confidently while maintaining a high quality of life. Our reverse-engineered plans align with your financial goals and provide a clear roadmap for the future.
  • Investment Planning & Management
    We design and manage investment portfolios that grow and protect your wealth while maintaining financial flexibility.
  • Tax Planning
    Strategic tax planning can save you thousands annually. We proactively structure your finances to minimize tax liabilities now and in the future.
  • Estate Planning & Wealth Preservation
    Your estate plan ensures your wealth is protected and distributed according to your wishes. We help you create a clear strategy for your legacy.
  • Family Business Planning
    We help family business owners manage growth, succession, and legacy planning to ensure long-term success.

If you are 50+ and planning for retirement, our process is designed to help you build a secure future:

  1. Introductory Meeting | Long Term Goals
    Our complimentary financial planning call will discuss your financial needs, retirement vision, and savings strategy. We will evaluate your current income, projected earnings, retirement timeline, and legacy planning.

  2. Build a Portfolio | Create a Long-Term Plan
    Using financial models and key insights from our initial meeting, we design a dynamic retirement plan tailored to your goals and risk tolerance. We refine details, explore “what if” scenarios, and adjust savings, spending, timing, or investments to enhance success.

  3. Investment Analytics | Ongoing Guidance
    We offer advanced portfolio reporting, consolidated performance tracking, and continuous retirement forecasting. Have retirement questions or need to adjust your goals? We’re here when you need us. Connect with us as often as you like, or not, and feel confident that your retirement is in good hands.

Retirement Should Be on Your Terms

You shouldn’t have to sacrifice your lifestyle today to feel secure about tomorrow. We believe in helping you live well now while building a strong financial future.

Our reverse-engineered retirement planning focuses on balancing your current needs with long-term goals, considering:

  • Your financial vision and timeline
  • Earnings and cash flow
  • Risk and investment preferences
  • Estate and legacy planning
  • Income needs for retirement and beyond

We aim to remove uncertainty, minimize family stress, and ensure no milestone is missed. With the right plan, you can retire confidently, on your terms.

We operate as a fee-only financial advisory firm, meaning we are only compensated by our clients, never through commissions or third-party products. This transparent structure helps mitigate conflicts of interest and supports our fiduciary duty to always act in your best interest.

Our pricing is simple:

  • Annual Advisory Fee: 0.75%
  • Assessed quarterly based on the market value of your assets under management.
  • Your assets are held securely with Charles Schwab, a well-established and trusted institution.

No hidden fees. No fine print. Just transparent, client-centered pricing.

Our office address is located at:

Toberman Becker Wealth
1741 S Big Bend Blvd
St. Louis, MO 63117

Yes. Whether you’re in Missouri, Illinois, or elsewhere in the U.S., we provide both local and remote financial guidance.

See Our Wealth Management FAQ